For many years the postal booklet A symbol of security and savings is considered by the Italians. It all began with the Law 2779 of 27 May 1875 which ordered the creation of a central postal savings case under the state’s guarantee and included in the Cassa Depositi e Prestiti. That law did not only have the desire to satisfy the desire to accumulate wealth but also to educate Italians. The saving It was in fact very closely linked to the society that was being born. Quintino Sella In fact, he said that “a people are worth what he spare”.
And so the postal booklet over the years has allowed many people to put small sums of money as a simple and accessible way. Before it was a fixed presence in Italian families. Often, in fact, it was opened by grandparents for grandchildren or parents to teach children the importance of putting a small capital aside.
Sometimes, however, it happens that the postal booklet is forgotten, by distraction or for the passage of time. When this happens this product ends after a certain period in the list of dormant deposits And there is the risk of lose their money.
What is the dormant postal booklet
The savings book is called “sleeping“When not handled by the owner for a higher period to 10 years. Furthermore, to return to this category, it must have a balance of over 100 euros And it must not be subject to legal procedures or operating blocks that prevent their use.
Suppose we have a postal booklet with a balance of 500 euros and not having carried out any operation on it for more than 10 years, what happens?
The amount is transferred to a Special fund managed by Consap as established by law no. 266 of 2005 and by the regulation present in the Presidential Decree num. 116 of June 22, 2007
What to do to prevent a postal booklet from becoming dormant
The savings booklets, as explained, are for the Italians a form of savings deemed very safe. In fact, they are issued by Cassa Depositi e Prestiti and guaranteed by the Italian State. If, however, the owner forgets to use them for more than ten years is the risk of losing direct access to those funds. So what to do to prevent this from happening?
It is simple: just perform a minimum operation, such as a payment or a withdrawal, in this time span. In this way the account is maintained.
In addition, to prevent your booklet from becoming a dormant, you can also check the Post Italiane page dedicated to Booklets at risk of extinction In order to have the possibility of intervening before the transfer to the fund becomes definitive.
What should be done if your booklet is dormant
Now we know that the postal booklet becomes dormant if a transaction is not made for more than ten years. But how to verify the state of your own?
THE’official list Sleeping deposits are published periodically on the Poste Italiane website and ordered on the basis of the post office number in which it was opened.
To find your own faster, you can use the program search function used to view the .pdf and enter the post office number after looking for it on Google.
In the event that you discover that your postal booklet is in the last list of the dormant ones, it will be necessary to act by First day of the following month going to any post office.
Just perform an operation or provide the data requested for the registry census. In the case by that date, nothing is done, Poste Italiane will close the booklet and will transfer the money contained to the bottom.
What to do if you receive a letter from Poste Italiane
Poste Italiane could send one communication To the owner of a booklet that is about to become a dormant, who has two options:
- Send an answer to the address indicated in the letter to report that it wants to keep the booklet active;
- carry out an operation such as a payment or withdrawal within the deadline indicated in the letter.
Is it possible to get refund from Consap?
If you are the owners of one or more titles merged into the bottom you can do refund application directly to Consap without the help of a mediator. The dealership examines those received through a rigorous chronological order. Once judged, it may require additions or adjustments.
Before being able to make payments, the Consap must receive the crediting from the MEF, which in turn can request sample checks on the requests welcomed positively. For this reason, the timing could be long.
In any case, to request a refund, it is necessary to attach the certificate of devolution to the fund which is issued by the Italian Post Office. It is then necessary to download the model on the official website of the Consap.
The material can be sent:
- In paper form at Consap Spa- ref. Sleeping relationships – Via Yser, 14 – 00198 Rome:
- electronically at [email protected], transmitting the original documentation with a separate package;
- electronically via the single portal, also in this case by sending the original documentation by post.
